If you drive in South Carolina, knowing the state requirements for Bodily injury liability is critical. South Carolina law requires all drivers to carry auto insurance or liability insurance that includes Bodily injury liability coverage. Minimum insurance requirements ensure that if a negligent driver causes an auto accident like a recent Charleston car accident that left multiple people injured the injured party’s Medical bills and damages are at least partially covered by the driver’s insurance policy.
1. Minimum Liability Insurance in South Carolina
The South Carolina Department of Insurance and South Carolina Department of Motor Vehicles require:
- $25,000 Bodily injury per person
- $50,000 Bodily injury per accident
- $25,000 Property damage coverage
Additionally, uninsured motorist coverage is mandatory:
- $25,000 per person
- $50,000 per accident
This protects against uninsured motorist bodily injury in case a negligent driver without car insurance hits you.
2. Why Minimum Liability Coverage May Not Be Enough
While minimum liability coverage satisfies state laws, it may not fully cover:
- Medical bills from serious Car accidents
- Property damage that exceeds the policy limit
- Legal expenses under the at-fault system
A single auto accident can produce Car repair bills, health insurance lien issues, and additional Legal expenses that surpass the liability insurance coverage.
3. Recommended Auto Insurance Coverage
Experts often suggest increasing:
- Bodily injury liability coverage to $100,000 / $300,000
- Property damage to $100,000
- Adding collision coverage, comprehensive coverage, personal injury protection, and UIM coverage
Optional policies like Gap coverage, rental reimbursement, and Roadside Assistance (or emergency roadside service) offer added financial safety.
4. Consequences of Driving Without Proper Coverage
Failing to meet South Carolina insurance requirements can lead to:
- Driver’s license suspension
- Filing an SR-22 document with the DMV website
- Automobile Liability Insurance Reporting issues
- Form 400 filings with the SC DMV
- Seizure of car registration until you provide proof of insurance
Some drivers attempt cash/security deposit or Surety bond alternatives, but keeping active auto insurance coverage is the safest route.
5. Financial Risk of Minimal Insurance
A policy limit of 25/50/25 may leave you paying for:
- Medical bills exceeding Bodily injury minimums
- Property damage coverage gaps after Car accidents
- Claim payment delays if your insurance company disputes coverage
- Legal expenses if a personal injury lawyer sues for damages beyond the limit
Optional UM/UIM insurance, mechanical breakdown insurance, or comprehensive insurance helps avoid catastrophic losses.
6. Protecting Yourself Under South Carolina Law
Understanding state laws, insurance premiums, driving record, and policy reformation options can help drivers:
- Maintain proof of insurance
- Avoid uninsured motorist registration penalties
- Navigate modified comparative negligence law
- Ensure medical payments coverage for family members
